Search found 35 matches

by Panky
Wed Sep 16, 2020 11:47 am
Forum: Personal Consumer Issues
Topic: codakids for coding lessons
Replies: 22
Views: 1313

Re: codakids for coding lessons

Our preteen kids indicated they want to try to code based on a game they both spend a LOT of time on. (Roblox) I stumbled upon Codakids which looks really neat, friendly, and has self paced learning but also private 1:1 tutoring. Does anyone have experience with this for their kids? (background - p...
by Panky
Wed Sep 16, 2020 11:31 am
Forum: Personal Consumer Issues
Topic: Tiffany Quality
Replies: 35
Views: 2752

Re: Tiffany Quality

but the Le Creuset, might work. I like this idea. Seems to have the “feel” you are after but is an item (dutch oven) that I have actually seen on a thirty somethings registry recently. I am a married millennial, thoughts: - I happen to have a china hutch, but zero of my peers do so I think you are ...
by Panky
Tue Sep 15, 2020 1:28 pm
Forum: Personal Consumer Issues
Topic: Coping with Wildfire smoke
Replies: 111
Views: 6921

Re: Coping with Wildfire smoke

Earlier on this month in the PNW there was an inversion, so if you could get above ~4000 ft in the mountains the smoke was not up high. However that has changed locally as the smoke has now persisted long enough to penetrate that layer based on some pictures of friends hiking in the more alpine loca...
by Panky
Fri Sep 11, 2020 3:20 pm
Forum: Personal Consumer Issues
Topic: Wood burning inserts
Replies: 21
Views: 1536

Re: Wood burning inserts

One word of caution - depending on what year your existing fireplace was put in, you may have to make additional changes to support a wood insert! In our case, our non-combustible flooring (brick) around the fireplace base ended about 3 inches too close to the fireplace due to changes in code since ...
by Panky
Fri Sep 11, 2020 3:11 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 243
Views: 14938

Re: PC Build Thread 2020

I'll have to think about what I want to do. Going back to homebrew would be a ton of fun, as I sometimes overclocked the BIOS (but before I bricked it due to overheating). I wasn't into water cooling, so I stopped before it got to that point. I have been really happy with the all in one (AIO) water...
by Panky
Thu Sep 10, 2020 2:23 pm
Forum: Personal Consumer Issues
Topic: Home building advice
Replies: 12
Views: 1328

Re: Home building advice

Yeah I have weighed the odds of prolonging. Currently can get a construction loan for 2.8 for 15 years, I don't see the benefit of saving a little on materials with the risk of interest rates going up a percent or more ultimately costing significantly more than the lumber gouge is going to be. If y...
by Panky
Thu Sep 10, 2020 2:08 pm
Forum: Personal Consumer Issues
Topic: Replacing a 20-year-old central air conditioning
Replies: 66
Views: 6032

Re: Replacing a 20-year-old central air conditioning

We recently replaced an electric central air furnace with a Mitsubishi system - it has a big heat exchange outside, then a branch box going to 2 mini splits, and one to the new furnace/AC combo unit inside. Power costs are somewhat lower, but math is hard to prove out - as our unit was failing, our ...
by Panky
Tue Sep 08, 2020 2:04 pm
Forum: Personal Consumer Issues
Topic: Need some advice for buying my first flat screen TV.
Replies: 75
Views: 4574

Re: Need some advice for buying my first flat screen TV.

What about rear panel connections? I’ll definitely want an HDMI-ARC port, for instance. Are these common on the cheaper models? HDMI-ARC was on one of, but not all, HDMI ports of the flagship Samsung TV I bought in late 2018. Its decently common now, but you will likely want to download the manual ...
by Panky
Thu Sep 03, 2020 12:18 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 243
Views: 14938

Re: PC Build Thread 2020

Dwarf Fortress, on the other hand, is slow as molasses on my old CPU (see below). Huge DF (Dwaf Fortress) fan here! (Though I haven't played for several rounds of updates, waiting for the steam graphical release they have started teasing). Dwarf Fortress is largely single threaded (only uses one CP...
by Panky
Tue Sep 01, 2020 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Landlords: How are you doing this year?
Replies: 149
Views: 18036

Re: Landlords: How are you doing this year?

How is everyone doing so far? Tenants still paying rent? What is your prediction for the next 4 months? Tenants were late on rent for a bit (college age folks, property in a college town) but caught back up the next month, likely due to stimulus payments the fed put out. Their lease is up soon and ...
by Panky
Tue Sep 01, 2020 11:34 am
Forum: Personal Consumer Issues
Topic: Bee keeping
Replies: 64
Views: 3521

Re: Bee keeping

For those who want to try to beekeep and produce honey without heavy lifting, I am reminded of the Flow Hive system. I have never used it and have my doubts on how effective it is, but if it works, it would be a game changer. I don't know anybody in my former beekeeping community that has tried it ...
by Panky
Mon Aug 31, 2020 6:16 pm
Forum: Personal Consumer Issues
Topic: Bee keeping
Replies: 64
Views: 3521

Re: Bee keeping

Love this thread. About 60 years ago I kept bees for quite a while in order to earn my Boy Scout Beekeeping Merit Badge. As I grew into adulthood and began living in suburban environments I was never able to return to beekeeping. But I've never forgotten the fascination with bees and the experience...
by Panky
Mon Aug 31, 2020 6:14 pm
Forum: Personal Consumer Issues
Topic: Bee keeping
Replies: 64
Views: 3521

Re: Bee keeping

For those who want to try to beekeep and produce honey without heavy lifting, I am reminded of the Flow Hive system. I have never used it and have my doubts on how effective it is, but if it works, it would be a game changer. I don't know anybody in my former beekeeping community that has tried it ...
by Panky
Mon Aug 31, 2020 6:09 pm
Forum: Personal Consumer Issues
Topic: Bee keeping
Replies: 64
Views: 3521

Re: Bee keeping

I was a way for a couple of days and just got back to this post. Thanks again for the additional information. I am not sure about lifting 40-80 pounds. I know I can lift about 35-30 pounds easily. I scuba dive, not as much as I used to, it's a dying hobby of mine for a variety of reasons. But a tan...
by Panky
Thu Aug 27, 2020 3:42 pm
Forum: Personal Consumer Issues
Topic: Planning Retirement Lifestyle
Replies: 18
Views: 2139

Re: Planning Retirement Lifestyle

I really enjoy the mountains and outdoor opportunities that the Pacific Northwest has to offer. My current post Covid plan over the next four years is to volunteer a lot more at the dozens of places that interest me and to work on a circle of people to do outdoor activities with. This could be thro...
by Panky
Thu Aug 27, 2020 11:22 am
Forum: Personal Consumer Issues
Topic: Bee keeping
Replies: 64
Views: 3521

Re: Bee keeping

I started beekeeping in April 2020, perfect timing to have a yard-based hobby before COVID lockdown. I second the 'read the books' suggestion - while not directly about beekeeping as much, I found "Honeybee Democracy" to be fascinating and to make me appreciate bees much more. Biggest suggestion is ...
by Panky
Wed Aug 26, 2020 6:02 pm
Forum: Investing - Theory, News & General
Topic: A Beater Truck and a FAT 401k...
Replies: 104
Views: 10396

Re: A Beater Truck and a FAT 401k...

My desire for nicer cars dwindled exponentially when life became commuting to/from work and battling the never-ending stream of crushed goldfish and melted gummy bears in the back seat. Especially right now when our cars are just sitting there for days with offices closed. Super happy with my $3000...
by Panky
Wed Aug 26, 2020 5:04 pm
Forum: Personal Investments
Topic: Over-allocated (70%) to well performing company stock
Replies: 33
Views: 1789

Re: Over-allocated (70%) to well performing company stock

So I have learned a stop-loss order is not available to me with my plan currently, due to employeer restrictions. I could try to jump through some hoops to transfer from employeer plan to brokerage, but former co workers imply that is rarely offered. For now I do have a sell order at a price above c...
by Panky
Wed Aug 19, 2020 6:29 pm
Forum: Personal Investments
Topic: Over-allocated (70%) to well performing company stock
Replies: 33
Views: 1789

Re: Over-allocated (70%) to well performing company stock

You didn't specify what percentage of your retirement number this is, or what percentage of your portfolio the quantity of shares that you cannot sell is. However I would certainly sell everything that you can up until you hit your retirement number. If you have amounts above your retirement number...
by Panky
Wed Aug 19, 2020 6:02 pm
Forum: Personal Investments
Topic: Over-allocated (70%) to well performing company stock
Replies: 33
Views: 1789

Re: Over-allocated (70%) to well performing company stock

I sold some Tesla stock earlier in this year and feel the fomo pain. However it was just enough to max my Roth Ira for the year. I have to keep telli g myself if was the right move at the time. My uncle lost a huge % of his retirement in a single stock. 70% is way to high. Evaluate the tax impacts,...
by Panky
Wed Aug 19, 2020 5:43 pm
Forum: Personal Investments
Topic: Over-allocated (70%) to well performing company stock
Replies: 33
Views: 1789

Re: Over-allocated (70%) to well performing company stock

Maybe your partner should read about GTAT. I was reminded of the company in another thread. A lifetime ago, I worked for a company that was later acquired by GTAT before the whole Apple fiasco, so I have many former co-workers who were burned by the company. A sad story of single stock concentrated...
by Panky
Wed Aug 19, 2020 5:28 pm
Forum: Personal Investments
Topic: Over-allocated (70%) to well performing company stock
Replies: 33
Views: 1789

Re: Over-allocated (70%) to well performing company stock

Callisto wrote: Wed Aug 19, 2020 5:19 pm I think it depends on if you think your LTCG rate will decrease in the coming years.
We are at 15% LTCG (long term capital gains - had to look this one up).

We likely will remain at that amount for the forseeable future (~5- 15 years or more) barring tax changes from congress.
by Panky
Wed Aug 19, 2020 5:16 pm
Forum: Personal Investments
Topic: Over-allocated (70%) to well performing company stock
Replies: 33
Views: 1789

Re: Over-allocated (70%) to well performing company stock

I don't see what there is to evaluate here. This is not investing. What you propose looks like an emotion based decision: you fear something may happen to take away your paper gains, so you want to pull the trigger now. But you made some sales that in hindsight were premature. It all comes down to ...
by Panky
Wed Aug 19, 2020 5:11 pm
Forum: Personal Investments
Topic: Over-allocated (70%) to well performing company stock
Replies: 33
Views: 1789

Re: Over-allocated (70%) to well performing company stock

I would sell it all. Max out my Roth IRAs for the year and then buy a new Tesla. ROTH IRA - I am under 50, and we have household income over $206k, so I don't believe we are eligible for a ROTH IRA in 2020 based on that (please correct me if wrong). But this is exactly the type of info and insight ...
by Panky
Wed Aug 19, 2020 5:07 pm
Forum: Personal Investments
Topic: Over-allocated (70%) to well performing company stock
Replies: 33
Views: 1789

Re: Over-allocated (70%) to well performing company stock

It it were me I would sell at least half ASAP. Don't cut your arm off to spite the tax man, especially if these are all long-term gains. Once could also buy puts to secure the position. I lean in the same direction, or at least selling off more aggressively now. Long term gains - most (85%+) is lon...
by Panky
Wed Aug 19, 2020 5:03 pm
Forum: Personal Investments
Topic: Over-allocated (70%) to well performing company stock
Replies: 33
Views: 1789

Re: Over-allocated (70%) to well performing company stock

I have 'lost out' on six figures of paper gains so far from sub-optimal sales earlier in the year. Do you have any actual capital losses this year? Or can you sell something now to generate capital losses? [Apologies if I am quoting out of context above] Let me clarify - The 'lost out' bit I was re...
by Panky
Wed Aug 19, 2020 4:50 pm
Forum: Personal Investments
Topic: Over-allocated (70%) to well performing company stock
Replies: 33
Views: 1789

Over-allocated (70%) to well performing company stock

Summary - when/how/if to reduce my tax-able over-allocated position in DOCU (which is currently spiking in value) ? Details: I have ~2,500 shares of DOCU stock from previous employment there. I have no future grants of this stock coming. This is about 70% of my stock/bond/cash assets (not including ...
by Panky
Thu Jul 30, 2020 5:19 pm
Forum: Personal Consumer Issues
Topic: Chest Freezers
Replies: 14
Views: 1359

Re: Chest Freezers

In our Midwest area we have them at Costco (7cu ft), but it was all sold out within few hours. We got the second to the last one, very reasonable at $159. Costco's in Seattle area have just started stocking a lot of chest freezers again - they had a bunch on hand on my visit last week, including fl...
by Panky
Wed Jul 15, 2020 11:43 am
Forum: Personal Consumer Issues
Topic: Speakers for basement
Replies: 43
Views: 2686

Re: Speakers for basement

I think Bose speakers are vastly overrated. Sonos is a better "lifestyle" speaker, and their soundbars integrate well with TVs. The Beam (about $400) is relatively inexpensive and is suitable if you want something that works for both TV sound and music, without a mess of wires. +1 for the Sonos Bea...
by Panky
Tue Jul 14, 2020 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Rental vs. Second Home?
Replies: 3
Views: 399

Re: Rental vs. Second Home?

Second homes I am less familiar with, but I have some experience with rentals. Rentals you have many costs you can claim on your taxes (mortgage interest, insurance, taxes, deprecation, other expenses around renting/cleaning that are less applicable given you have a set tenant). It would depend on y...
by Panky
Wed Jun 24, 2020 4:32 pm
Forum: Personal Consumer Issues
Topic: What to buy parents as a token of appreciation/retirement
Replies: 57
Views: 3857

Re: What to buy parents as a token of appreciation/retirement

In my opinion, a memorable vacation. Either just for the two of them, or a family vacation somewhere fancy. I am strongly for this but am getting nowhere. Bogle7....I remember reading that somewhere about experiences vs things....sooner or later all we have are memories. Old retired guy here with D...
by Panky
Mon Jun 22, 2020 11:53 am
Forum: Personal Consumer Issues
Topic: Lexus Key Fob Issue
Replies: 42
Views: 1927

Re: Lexus Key Fob Issue

What model and year Lexus? Is this a SmartKey? This is the key. ES 350 2010 I have a ~2008 ES - when the battery in the key fob gets low, you can no longer do the "walk up and doors auto unlock as I pull on handle". Instead I have to actually press the unlock button on the keyfob - one press is fro...
by Panky
Thu Jun 18, 2020 11:28 am
Forum: Personal Consumer Issues
Topic: Air purifier recommendation.
Replies: 14
Views: 784

Re: Air purifier recommendation.

We have had a Conway Airmega 400 since early 2018 - highly recommend. Link to product: https://www.amazon.com/gp/product/B01C9RIACG/ref=ppx_yo_dt_b_search_asin_title?ie=UTF8&psc=1 Looks to be on sale now for $540, we bought for $470 in 2018 so maybe wait for an improved sale. It was one of the top m...
by Panky
Thu Jun 11, 2020 4:13 pm
Forum: Personal Consumer Issues
Topic: Luxury Vinyl Flooring
Replies: 14
Views: 1524

Re: Luxury Vinyl Flooring

They have laminate flooring with a 'pad' built in, otherwise you often end up buying this pad layer as a separate layer. Given you are keeping the existing flooring under, this pad may help address any unevenness. It also is a slight thermal barrier, so keeps it warmer. We put in some luxury Vinyl P...
by Panky
Wed Jun 10, 2020 5:38 pm
Forum: Personal Investments
Topic: Rent or Sell Townhouse in Seattle
Replies: 42
Views: 2948

Re: Rent or Sell Townhouse in Seattle

Absolutely sell if you have lived at the property for 2 of the last 5 years (capital gains exception eligible). Probably still sell regardless. Context: I was born in Seattle, went to school at UW, and owned a home there 2015-2018, which we ended up selling at a large profit. Right now the Seattle m...